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  1. Strange one? Its unbelievable what tricks/stunts they can pull!
  2. Wow sounds like a great letter to me many many thanks x
  3. Who do i report it to? the OFT? will send them a letter stating they need to prove unequivocally they have proof of firstly debt not being Statute Barred secondly they did receive payment, also i shall tell them i have all the relevant bank statements and i have all the credit files and there is nothing outstanding whatsoever? any other words anyone can think of will be greatly aqppreciated? someone could kindly draft me a response if they like, your templates always sound so professional
  4. All his previous addresses show along with ex wife association blah blah blah so a another round of letter tennis it is then yawn yawn, thanks for helping create thread i really am rubbish at this
  5. Hi all update time.. .went to Halifax got statement for all of December 2010 and guess what? No payment to any DCA for £50 on the 29th as alleged! so sounds like a wild stab in the dark bluff o gram? Question is what next, letter ideas/template much appreciated guys x
  6. Yes i will do, 1st port of call Halifax bank and ask them if any payment made? which i doubt seeing as we have been fighting this since 2008, very strange how Debt Management of Edinburgh are back in the picture when i have a letter from them from way back saying they have washed their hands of it and passed it back to Lloyds TSB, not one DCA has managed to find a copy of the CCA! as requested. I shall write back to Capquest when i have been to Halifax stating i still have no proof from them about this alleged £50 payment from Dec 2010
  7. Cheers will do that hoping it is a bluff o gram as you say
  8. Hi again just sifting through the mountains of DCA letters since 2008 the latest bundle started on 25th July from Lloyds TSB themselves stating they had sold debt to Capquest and also Debt Managers have been appointed by Capquest to manage the account, "the alleged account that no one since 2008 have managed to extract anything from" Shall i send another CCA request to the latest bunch of losers? this "alleged" debt has mysteriously shrunk from originally being £7862.35 to £6412.35? Are they just making the lot up? There is nothing on any credit files regarding Lloyds TSB or anything? This is mystifiying strange and weird?
  9. Hi there update. ..Letter arrived from Capquest Saturday saying, Thank you for your recent letter. We can confirm our records show a payment of £50.00 was made to this account on 29th December 2010. We can confirm we have placed this account on hold for one month from the date of this letter. We would be grateful if you would contact us within that period to confirm how you wish to proceed. I cannot remember making any payment to anyone? 1st step i will do is contact our bank and ask them if any such payment has been made on this date? Im sure ive been fighting off DCA's since 2008 looking at my posts on here starting with Fredricksons? Any advice greatly received? They have not sent proof of payment just stated it?
  10. Hi there sorry for hijacking thread my hubby just had a letter from Debt Mangers (Services) ltd of Edinburgh saying we are attempting to contact you regarding a personal matter, to verify please call? Yeah yeah yeah as if we will call? Should i bin it,file it or send them something back via unsigned letter? advice/template please Many thanks
  11. Sorry to be a nusciance the letter i need to send can you clarify last line "Recorded/signed for post, check date delivered" that does not go on letter? Lol i am rubbish at all this thank the lord for CAG x
  12. Thanks will send that letter off, i have send cca's regarding the alleged debt to a few companies in the last few years and have never received anything back so i doubt they have relevant paperwork?
  13. The last DCA letter of the same ilk was May 2012 Fredricksons, chasing this alleged debt i really do think its statute barred, i will send the cca request off but i cant remember if you make the £1 postal order out to them or blank? Also do i send an account in dispute letter? if so can someone point me in the template direction or is the cca request enough? Many thanks x
  14. Hi all ,I am handling this on behalf of my husband, letter reads...Dear Mr X welcome to Capquest we have bought your account from LTSB blah blah blah. Thging is we have been down this road a few times each company i have requested a CCA and heard nothing they just dont seem to be going away, now shall i send one to this lot? Ive checked Noodle and there is nothing on it apart from our current car finance for about a grand due to finish next January all in good order! The last paragraph reads... Capquest Investments Ltd is now the data controller of your personal information that is held for your account. If you want to see the personal information that we hold about you please write to us sending us £10 as the fee that we may charge under the data protection act. You can correct anything that is wrong or missing. I know this is the SAR fee but as i have said before the account is in dispute and i certainly cant see him having made any payment within the last 6yrs or more.. .advice please x
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